3-D Secure and MPI Integrations

Why is it important to use payment processing software which supports 3D Secure? Taking into account the constantly increasing level of card fraud you need to protect your business from chargebacks and as a result undesirable money losses. What is 3D Secure? 3D Secure is an XML based protocol providing additional protection for cardholder’s data when online transaction takes place.  

At first it should be checked whether the card is enrolled into 3D Secure program. It can be done through the merchant plug-in (MPI). Then the cardholder must be identified: he/she enters the code previously associated with the card. Later during the transaction it should be entered once again otherwise the payment won’t be processed. According to the security requirements the customer must be redirected to the issuing bank website and enter the value there. Verification results (called PARES) will be sent to software that made the MPI verification query (there are three fields: ECI, CAVV and XID).

Payment processing software needs to support two use cases. The first one is for the merchants who utilize payment pages; and the second – for the merchants who send their queries directly through the API. In the first case additional fields can be added to the payment page and in the second case the redirection to the issuing website is required.

More information on this issue can be found in the publication at #UniPayGateway.

Also those who are interested in the more detailed explanation of the 3D Secure mechanism can visit Paylosophy Payment Blog.